The basic insurance can be extended with a range of supplementary cover insurance to suit your industry.
The limit per event can be exhausted twice per year.
Our specialist team is well connected to a wider network of experts and will support you when an incident occurs.
Hazards arising from company buildings, premises or land.
Example: Part of the ceiling comes loose at your store and injures your customers.
Hazards arising from your company's activities.
Example: During the course of construction work, a wall collapses and injures an employee of another construction company.
Hazards arising from your company's products.
Example: In your restaurant, a guest bites on a stone in the risotto and damages a tooth.
Sudden environmental hazards arising from your business activities.
Example: Due to a sudden leak, a neighboring property is being contaminated.
In principle, no. However, for certain professional groups, liability insurance is mandatory – e.g. auto repair business owners (cf. Art. 71 of the Swiss Road Traffic Act). Cantonal regulations may also require liability insurance.
Yes. Within the scope of commercial liability insurance, Zurich defends against unjustified claims. In this context, we represent insureds against claimants.
Yes, because the legal protection included within the scope of commercial liability insurance is limited to civil liability law. For help with matters pertaining to other areas of the law, such as labor law or traffic law, you will need separate legal protection insurance – e.g. from Orion.
The insurance covers claims occurring anywhere in the world. However, this excludes the U.S. and Canada.
Yes. All sites within Switzerland are covered.
For SMEs, we recommend a sum insured of 5 to 10 million Swiss francs.
We would be happy to offer you personal advice on this question, tailored to your industry.
Yes, we grant a discount of 10 percent to start-ups for the first three years of the insurance.
No, that is not possible.
For the premium calculation, we generally need to know the total gross payroll subject to AHV and the turnover of the company.
Yes, this is possible. Further activities must be reported at the time the application is submitted. This includes, for example, a restaurant with a catering service or an all-round maintenance worker (building maintenance, sanitation, etc.).
